# FARMERS STATE BANK OF BRUSH
BRUSH, CO · FDIC certificate 10407 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $116.6M | |
| Deposits | $93.1M | |
| Loans and leases | $70.6M | |
| Total equity | $22.4M | |
| Loans / deposits | 75.04% (p52 of band) | 73.59% |
| Liquid assets / assets | 37.62% (p59 of band) | |
| Uninsured deposits / deposits | 27.64% (p76 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.59% (p51 of band) | |
| FHLB advances / assets | 0.59% | |
| Tier 1 leverage | 20.13% (p90 of band) | 11.76% |
| Unrealized securities loss / equity | -5.76% (p54 of band) | -6.57% |
| AOCI / equity | -0.20% (p59 of band) | |
| ROA (annualized) | 0.78% (p29 of band) | 1.17% |
| Net interest margin | 3.85% (p46 of band) | 3.93% |
| Efficiency ratio | 76.66% (p73 of band) | |
| Noncurrent loans | 0.13% (p36 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 827.17% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 7.04% (p33 of band) | |
| Auto loans | $884,000 (1.25% of loans; DQ 3.28%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 24 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | capital falling, reserve under noncurrent |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2015-03 | 3 | deposits shrinking, assets shrinking |  |
| 2015-06 | 2 |  | assets shrinking |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | assets shrinking |  |
| 2016-03 | 1 |  | uninsured deposits leaving, assets shrinking |
| 2016-06 | 0 |  | deposits shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 1 | assets shrinking | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 0 |  | assets shrinking |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | deposits shrinking |  |
| 2023-12 | 0 |  | deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | deposits shrinking |  |
| 2024-09 | 0 |  | deposits shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | deposits shrinking |  |
| 2025-12 | 0 |  | deposits shrinking |
| 2026-03 | 1 | deposits shrinking |  |
| 2026-06 | 0 |  | deposits shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2009-11-19 [Brush, Akron banks merge - The Fort Morgan Times](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9EdTRjak9wS08yajhwU0lhajdkUkJ1SXBKdmZGb2Q4eEh4Y1ZSeWJsRDVQZTVnTURjczRFY0thMXpmUEZfNnpLbDdkdjBjNXpMUG14cnZyTQ?oc=5) · The Fort Morgan Times
- 2018-05-28 [Farmers State Bank awards Anna C. Petteys Scholarships - Sterling Journal-Advocate](https://news.google.com/rss/articles/CBMioAFBVV95cUxNUmVZVzhnVEk4a2sweDU3N3ZSMGJxaUNSaGpIZnFYcGtGZndPMEs3bnBIWjV2Wnl6N1RXOGR1TFdWQXRNTndJbjNOYXo0eDM1eDdEcnAxU0NicnZoUDRRb0RlU1l0aEJUejNTaHJOeGFTOHFTX0ZqRlJfVzYtMU5qbTJjMFNUR2JYS2xXNzFvX3hJa3I2QS1CWFJ4aXRFbFU5?oc=5) · Sterling Journal-Advocate
- 2021-02-04 [Robert C. Gunnon Obituary Feb 4, 2021 - Macken Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiakFVX3lxTE1JbXFabXNCRkVrLXJaU19mX0haQTRTU2FSTFNSblJwUkNxY1dST0FJNXhQSHB5b0xSeEJTNVdwS2RiV0dORF9WSmVaekNrMmlhc2ZRVm40VHRfN2RLdGlpcXVtWmVIZVVnaEE?oc=5) · Macken Funeral Home &amp; Cremation Services
- 2021-07-01 [Many events happening over Independence Day weekend in Morgan County - The Fort Morgan Times](https://news.google.com/rss/articles/CBMipAFBVV95cUxNcmNQamtsbTJndG9XMDJzNWlHelcwR3FqalF5YmotM1hoT0FyNlVPZ3RsWjNiaFRyWmV6VmlraXRGU2h4eXVzNFdSaHBsa2hjM1FlX01iMjBuYjZxZXBEMGxWd19zd29sMVJ6SnJ4RVpkRHhMYmRWbnJqM00zWlNIYm84VmNFWFVyQXVHRzRNcExOX21xdnNydUx3b2xja1FOdDVBWg?oc=5) · The Fort Morgan Times
- 2022-05-22 [Brush High School’s Nallely Saucedo awarded 2022 Anna C. Petteys Scholarship - The Fort Morgan Times](https://news.google.com/rss/articles/CBMiugFBVV95cUxQZHpUd1AwazVPbEVJZUxkZVljVkRmb2ZJeE5qcEx5SGRiall0Yl9SeHh2VUJaU0F6cGFyLTA4TVBxTlVPa09zNUdSVFdTUXRYTXB5elRhaEZCWTl2T2ZMLTVMckYwaXU3TmNnTG50cGdfUjV3RVRCb0ZPcmZYQlJVM29wNmFXeHpMTTR6VjVJYXlScGJBYVNaX1lmX1l3QWtPU1hBYS13LUQyOGwxbXpfcDgxOWwwcFA5NlE?oc=5) · The Fort Morgan Times
- 2015-05-11 [Rosenbrock receives Jack Petteys Memorial Foundation scholarship - The Fort Morgan Times](https://news.google.com/rss/articles/CBMirwFBVV95cUxPZ0prdDFEeExDZ3QzcG1BQm1pd2VtWTBiTlloVDJPS3FnRlJqMTFodzJ0MGxBMHlRUmd4bTBPNGpLQlZsS1d3OUYxTFJkWkVkbzlkY20tWGZZdmdEMFBVSElBSnFvRUNYakFGWkdNX2JqN2xIVS11ek51MG5MZndhZ1k4bnpUUVJDZXRZcF9mc0prck5kQ3E0b0ZHaGNKREVpamhqRnphUVhfMklZSVR3?oc=5) · The Fort Morgan Times
- 2015-05-19 [Mortensen receives Anna C. Petteys Scholarship - The Fort Morgan Times](https://news.google.com/rss/articles/CBMilgFBVV95cUxPa3NaWElsdWJsVGRJYU9PR2VXZ2RIUUkzM281QmNtdE9pZHFOY0Y5R2N2OGhKVzJ0SnlHcW1PWVVLaUo1YWttVmE2S0xEUnFRbFVTZkxSOFFPX2JWYjltRFp6TFZGZVBEQU5zTExNeVZ6Y2pMeDNVZnNXb0E3c0N4VkllWGc4QlV6eF9DTUpLalJINnV3dWc?oc=5) · The Fort Morgan Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10407 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "10407", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide